While the credit freeze has thawed from its coldest point a year ago, only small drips of capital are falling into the coffers of the restaurant industry.Operators large and small, as well as the International Franchise Association, or IFA, say that lending remains stalled for restaurants, leading them to predict slowed growth, fewer jobs and a furthering of troubles for an embattled industry already facing reduced consumer spending and expectations for increased costs in 2010. ...

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